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€25k invested in prize bonds

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    #7262
    Sligo Quay
    Registered Users Posts: 729 ✭✭✭Sligo Quay


    JustAThought wrote: »
    thou entirely unpredictable.
    I havn’t won anything since circa 2008
    2008 is 13 years long time, but the most important question, what's your holding, how many bonds do you have, if it's a tiny amount, say 50 to 100, you can expect to have them a lifetime and never win anything, I had 100 bonds from the 1980s and after over 20 years I finally won €75 euro in 2012 and €50 euro in 2013, nothing on them since, now I've 4 batches 10k 20k 30k 40k, 2 €50 wins in 2021.


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    #7263
    pbwinner
    Registered Users Posts: 808 ✭✭✭pbwinner


    Bubbaclaus wrote: »
    Received the pin in the post today. Tried activating my account and the text isnt being received by my phone :pac:
    Check the 'spam' or "screened" folder, numbers that are used to send mass messages are sometimes flagged as spam by the mobile provider.


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    #7264
    pbwinner
    Registered Users Posts: 808 ✭✭✭pbwinner


    Shauna677 wrote: »
    I have decided to withdraw my prize bonds back into cash, I called them this morning and they advised me what to do, money will be in bank within couple of weeks. I am going to put it with raisin.ie, at the moment they have a savings account offering 1.2% for two years. Better than nothing.
    Yes, it is better than nothing. However while not really a discussion for this thread, I see they've only renewed their domain for 1 year. Usually banks & companies planning to be around for the long haul would buy their domain for at least 10 years. And I don't like the way they've phrased the deposit guarantee: "we will fully support our customers within the framework of legal and practical possibilities.". Seems they're more of a broker than a bank really. I'd be a bit wary.


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    #7265
    pbwinner
    Registered Users Posts: 808 ✭✭✭pbwinner


    Winnings on 1st April 2021: €0
    Last win 18th December 2020: €100
    Total winnings on €25k from Feb 2011 to date: €3150
    2011: €75 x 4 = €300
    2012: €75 x 6 = €450
    2013: €50 x 12 = €600
    2014: €50 x 9 = €450
    2015: €50 x 5 = €250
    2016: €50 x 5 = €250
    2017: €50 x 4 = €200
    2018: €50 x 2 = €100
    2019: €50 x 6 = €300
    2020: €50 x 5 = €250
    2021: €0


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    #7266
    Shauna677
    Registered Users Posts: 491 ✭✭Shauna677


    pbwinner wrote: »
    Yes, it is better than nothing. However while not really a discussion for this thread, I see they've only renewed their domain for 1 year. Usually banks & companies planning to be around for the long haul would buy their domain for at least 10 years. And I don't like the way they've phrased the deposit guarantee: "we will fully support our customers within the framework of legal and practical possibilities.". Seems they're more of a broker than a bank really. I'd be a bit wary.

    Ah thanks a million for this. I was thinking there had to be a catch somewhere :-(


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    #7267
    dxhound2005
    Registered Users Posts: 20,507 ✭✭✭✭dxhound2005


    Despite all the negative sentiment, people are flocking to Prize Bonds like never before. Of course the approx €4.3 billion is just a drop in the ocean compared to the €100 billion in the banks and €16 billion in Credit Unions. The way I look at it, I'd rather win nothing in a year but have the bit of excitement, than get a guaranteed €50 from a savings account.

    In the UK, Premium Bonds are also getting in vast amounts of savings, meaning they might have to reduce their prizes to stem the flow.

    https://www.moneysavingexpert.com/news/2021/03/record-2-16-billion-premium-bonds-january-/


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    #7268
    pbwinner
    Registered Users Posts: 808 ✭✭✭pbwinner


    Shauna677 wrote: »
    Ah thanks a million for this. I was thinking there had to be a catch somewhere :-(
    Well I'm not saying there's a "catch" as such, just that phrases like "within the framework of...practical possibilities" make me nervous. I see they've reserves of less then €0.5 billion too.
    I would suggest you open a thread, if there's not one already, in one of the dedicated investment forums, where you would get better insights and opinions, before placing any great amount of money with them.


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    #7269
    Cute Hoor
    Registered Users Posts: 1,788 ✭✭✭Cute Hoor


    dxhound2005 wrote: »
    Despite all the negative sentiment, people are flocking to Prize Bonds like never before. Of course the approx €4.3 billion is just a drop in the ocean compared to the €100 billion in the banks and €16 billion in Credit Unions. The way I look at it, I'd rather win nothing in a year but have the bit of excitement, than get a guaranteed €50 from a savings account.

    In the UK, Premium Bonds are also getting in vast amounts of savings, meaning they might have to reduce their prizes to stem the flow.

    https://www.moneysavingexpert.com/news/2021/03/record-2-16-billion-premium-bonds-january-/

    I'd guess that significant sums have flowed into PBs over the last year or more due to Credit Unions introducing savings caps


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    #7270
    [Deleted User]
    Posts: 1,344 ✭ [Deleted User]


    pbwinner wrote: »
    Winnings on 1st April 2021: €0
    Last win 18th December 2020: €100
    Total winnings on €25k from Feb 2011 to date: €3150
    2011: €75 x 4 = €300
    2012: €75 x 6 = €450
    2013: €50 x 12 = €600
    2014: €50 x 9 = €450
    2015: €50 x 5 = €250
    2016: €50 x 5 = €250
    2017: €50 x 4 = €200
    2018: €50 x 2 = €100
    2019: €50 x 6 = €300
    2020: €50 x 5 = €250
    2021: €0

    I have approx 13K€ holding since 2011.....wish I had kept a record of ' wins' but I do recall at end of 2018 I was at 0.80% NETT per annum over the previous 8 yrs. Funnily enough this year has been a better so far..... 3 X €50 in 3months, let's hope that momentum keeps hoping for whole of 2021


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    #7271
    yabadabado
    Registered Users Posts: 16,520 ✭✭✭✭yabadabado


    Have now gone a full 2 years since I won anything .I mentioned it in a post a few months back and did a bit of digging at the time to double check I was correct what I was holding and wins etc .
    Last win was March 2019 on 50k ,my luck is bound to change soon !!


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    #7272
    John arse
    Registered Users Posts: 1,666 ✭✭✭John arse


    yabadabado wrote: »
    Have now gone a full 2 years since I won anything .I mentioned it in a post a few months back and did a bit of digging at the time to double check I was correct what I was holding and wins etc .
    Last win was March 2019 on 50k ,my luck is bound to change soon !!
    wow,that's shocking!


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    #7273
    Officer Giggles
    Registered Users Posts: 1,677 ✭✭✭Officer Giggles


    Got access to the new online account, discovered someone got me four bonds in July 1990, there was no surprise to discover they never won anything


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    #7274
    billyhead
    Registered Users Posts: 9,553 ✭✭✭billyhead


    For those that received there pin in the post to access the online account how long were you waiting for the pin. I initially registered 3 weeks ago today got the form and signed it posting it the next day and I haven't heard anything back since.


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    #7275
    tuisginideach
    Registered Users Posts: 2,052 ✭✭✭tuisginideach


    I sent my completed form off 23rd March and got pin last Friday or Thursday.


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    #7276
    Bubbaclaus
    Registered Users Posts: 4,461 ✭✭✭Bubbaclaus


    billyhead wrote: »
    For those that received there pin in the post to access the online account how long were you waiting for the pin. I initially registered 3 weeks ago today got the form and signed it posting it the next day and I haven't heard anything back since.

    I sent the signed form back in the post on 25 March and got the access pin on 31 March.


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    #7277
    billyhead
    Registered Users Posts: 9,553 ✭✭✭billyhead


    Thanks folks. I should have got it by now. I might give them a shout tomorrow.


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    #7278
    BlondeBomb
    Registered Users Posts: 412 ✭✭BlondeBomb


    Bubbaclaus wrote: »
    You must be trying to log in to the brand new profile, which must be registered for. I assume the old tracker log in to check is still there too.

    If I buy new bonds will I have to register with the new profile system?


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    #7279
    yabadabado
    Registered Users Posts: 16,520 ✭✭✭✭yabadabado


    BlondeBomb wrote: »
    If I buy new bonds will I have to register with the new profile system?

    Yes ,I think so.

    I ordered the new pin 2 weeks ago and tried to buy more PB at the weekend and wasn't able to .
    Got a message about waiting on new registration.


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    #7280
    tuisginideach
    Registered Users Posts: 2,052 ✭✭✭tuisginideach


    And nothing again


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    #7281
    PB2018
    Registered Users Posts: 272 ✭✭PB2018


    Wins on 9th April 2021: €0
    Last win: 18th December 2020: €50
    Weeks since last win: 16
    €134k invested in prize bonds since July 2017
    Win ratio: 24 wins in 197 weeks (12%)
    2017 (Jul-Dec): 5 x €50 = €250
    2018 (Jan-Dec): 4 x €50 = €200
    2019 (Jan-Dec): 5 x €50 = €250
    2020 (Jan-Dec): 10 x €50 = €500
    2021 (Jan-date): 0 x €50 = €0


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    #7282
    carrickbawn
    Registered Users Posts: 286 ✭✭carrickbawn


    Nothing here today.


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    #7283
    Atlantis50
    Registered Users Posts: 516 ✭✭✭Atlantis50


    Atlantis50 wrote: »
    Bought 60k worth of bonds in three 20k batches in July, August and October of 2020, adding to a €100 batch purchased in April for the purposes of getting set up on their system to make it easier for larger puchases.

    First win today of €50 on the 20k batch purchased in August.

    [above post is from two weeks ago]

    Another €50 today from same August 20k batch beginning with ASZ.


  • Options
    #7284
    pbwinner
    Registered Users Posts: 808 ✭✭✭pbwinner


    Winnings on 9th April 2021: €0
    Last win 18th December 2020: €100
    Total winnings on €25k from Feb 2011 to date: €3150
    2011: €75 x 4 = €300
    2012: €75 x 6 = €450
    2013: €50 x 12 = €600
    2014: €50 x 9 = €450
    2015: €50 x 5 = €250
    2016: €50 x 5 = €250
    2017: €50 x 4 = €200
    2018: €50 x 2 = €100
    2019: €50 x 6 = €300
    2020: €50 x 5 = €250
    2021: €0


  • Options
    #7285
    adox
    Registered Users Posts: 19,017 ✭✭✭✭adox


    Nothing for me again. Last win was €50 on October 23rd 2020. 50k holding.


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    #7286
    pbtracker
    Registered Users Posts: 68 ✭✭pbtracker


    April continues as the weeks before... zero

    Winnings on 9th Apr 2021: €0
    Last win : €50 5th Mar 2021
    Investment : €77K (from Aug 2020)
    Winnings Total : €250
    Pre 2020 : €50
    2020 : €150
    2021 : €50


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    #7287
    Sligo Quay
    Registered Users Posts: 729 ✭✭✭Sligo Quay


    Looking good for 2021, €50 for me today last win on Friday 19th March, total wins to date for 2021 €150euro, total wins for the whole of 2020 was €150euro, today's €50 from my 10k batch purchased in 2017, only 2 wins to date on 10k batch which includes today.


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    #7288
    Asus X540L
    Registered Users Posts: 1,448 ✭✭✭Asus X540L


    Got the online fully set up. It's handy seeing exactly what you but it's annoying having to get a text to your phone every time you need to log in.


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    #7289
    Atlantis50
    Registered Users Posts: 516 ✭✭✭Atlantis50


    I also have the online account now fully set up and new features include a banner notification alerting you you've won something if you log in after a win and also email notification of the win.


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    #7290
    Investor12
    Registered Users Posts: 7 ✭Investor12


    People seem to be invested in prize bonds for well over 5 years and get dismal returns. Wouldn't you be far better served with equities? You can afford to wait out a stock market crash and recovery in that time frame.


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    #7291
    abff
    Registered Users Posts: 5,717 ✭✭✭abff


    Investor12 wrote: »
    People seem to be invested in prize bonds for well over 5 years and get dismal returns. Wouldn't you be far better served with equities? You can afford to wait out a stock market crash and recovery in that time frame.

    I don’t think anyone is suggesting prize bonds as a long term overall investment strategy. It’s a means of diversifying some of your assets into a low risk option and is also a suitable alternative to leaving money on deposit at current low interest rates, including short term savings that need to be kept fairly liquid.


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